Health Insurance

No matter if you have an ambulance ride to the emergency room, or a chronic illness, medical bills can be financially devastating. Health insurance makes medical costs more affordable. insuranceQuotes.com helps you find an affordable health plan that gives you and your family the benefits you need.

About 1 in 5 adults in the United States has a disability -- most commonly arthritis, back problems and heart conditions, according to the U.S. Centers for Disease Control (CDC). These disabilities … more

It's open enrollment time once again for the Affordable Care Act (ACA), also known as Obamacare. Millions of Americans will shop for health insurance coverage through online exchanges between now … more

To give the best medical care, your doctor needs to know your medical history. However, you shouldn't rely on the medical system to be the sole keeper of this information. It's best to have your … more

According to a new report from the Centers for Disease Control and Prevention, a child born in 2012 in the United States will live longer than at any other time in history. The leading causes of … more

Do you ever wonder how your health records are entered and stored? Increasingly, from a routine visit to your primary care physician to an emergency room visit, your health records are being stored … more

In November 2014, health care reform rolls into its second annual open enrollment period -- and some key things are changing for consumers hoping to buy a health insurance plan on the federal and … more

Life events that typically earn congratulations or elicit sympathy might get you something else: the chance to buy health insurance in the Obamacare marketplaces outside the official open enrollment … more

Obamacare penalty calculator

Use our quick calculator to estimate your penalty for not having health insurance.

How many adults are in your household?

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An adult is anyone age 18 or older in your household.

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How many children are in your household?

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A child is anyone under the age of 18 in your household.

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Step 2 / 3

What is your estimated annual household income?

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Annual household income is the adjusted gross income your household receives during the tax year. Note: It also includes the incomes of all your dependents who are required to file tax returns.

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Your estimated tax penalty is $*

Your estimated tax penalty is $*

Your tax penalty increases by % from to .

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*Legal Disclaimer

Legal Disclaimer:X

See "Calculator Assumptions" for certain assumptions used in this calculation. Calculation is based on the IRS Individual Shared Responsibility Provision. You should not rely solely on this tool to determine how much your Obamacare penalty will be for 2014 and 2015. There are numerous factors you should consider, including your household income and your tax filing status, among others. Your use of this tool is governed by our Privacy Policy and Terms of Use.

*How we calculate the penalties

How we calculate the penalties:X

For 2014, the penalty calculation is the greater of a) 1% of your household income that is above the tax return filing threshold for your filing status, or b) your family's flat dollar amount which is $95 per adult and $47.50 per child, limited to a family maximum of $285. The maximum penalty for an individual is $2,448. The maximum penalty for a family of five or more is $12,240.

For 2015, the penalty calculation is the greater of a) 2% of your household income that is above the tax return filing threshold for your filing status, or b) your family's flat dollar amount which is $325 per adult and $167.50 per child, limited to a family maximum of $975. The maximum penalties for individuals and families in 2015 are indexed for an estimated premium inflation rate of 6%.

Do You Qualify for a Health Care Subsidy?

Use our quick calculator to estimate your monthly costs.

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2015 expected household income:$

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Please enter the birth date(s) of your family members seeking insurance:

Please enter the birth date(s) of your family members seeking insurance:

You & your family likely qualify for a credit of $524/mo to use towards health plan costs!

Your Estimated Rate

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Est Subsidy:

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Verifying your eligibility for a government subsidy.

This may take several minutes to complete.

Based on your income and household size, you aren't eligible for a government subsidy. However, we can still offer you competitive quotes to choose from.

Great News! You & your family likely qualify for financial help!

There are affordable health care options for you and your family.

To find out more, contact:

There are affordable health care options for you and your family.

To find out more, visit

You likely qualify for Medicare, or other senior coverage options.

We were unable to fulfill your request, however, you and your family still may qualify for financial help.

Expert Blog

Laura Adams is a personal finance expert and award-winning author who is Senior Insurance Analyst for InsuranceQuotes.com. She represents Bankrate Insurance’s web properties in the media and works as an advocate to make sure consumers protect their financial futures by having the right kinds of insurance.